| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.5 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | -1.14% | 0.60% | -1.7 pts |
| ROE | -6.3% | 4.1% | -10.4 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.7M | $20.0M | $17.6M | $4.5M | $-71K | -1.14% | 4.87% | 0.58% | 1,927 |
| Q4 2025 | $24.2M | $19.5M | $17.8M | $4.5M | $17K | 0.07% | 5.05% | 1.57% | 1,940 |
| Q3 2025 | $24.5M | $19.8M | $18.4M | $4.5M | $44K | 0.24% | 5.07% | 2.07% | 1,950 |
| Q2 2025 | $25.1M | $20.3M | $18.6M | $4.5M | $49K | 0.39% | 5.00% | 2.36% | 1,962 |
| Q1 2025 | $26.1M | $21.1M | $18.3M | $4.4M | $-114K | -1.74% | 4.61% | 0.74% | 2,161 |
| Q4 2024 | $25.1M | $20.2M | $18.9M | $4.4M | $-121K | -0.48% | 4.96% | 0.93% | 2,246 |
| Q3 2024 | $25.3M | $20.3M | $19.1M | $4.5M | $-24K | -0.13% | 5.11% | 0.33% | 2,290 |
| Q2 2024 | $26.4M | $21.0M | $19.6M | $4.5M | $-16K | -0.12% | 4.88% | 1.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.14% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,302 |
Loan mix (Q1 2026): real estate $5.7M · commercial $0 · consumer $10.9M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.7% | 81.5% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Tarrant, TX, ranked 90th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $20.3M* | 0.03% | 90th |
Texas: 711th with 0.00% · Dallas-Fort Worth-Arlington metro: 217th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1